P&L and cash flow out of the box
System profit-and-loss and cash flow reports — a living mirror of your categories, always up to date.
i37b — a financial tool for business
Clarity over your business money
The owner sees their money end to end and understands it in seconds — no intermediaries, no fog, no hundred spreadsheets. Ask — Ion answers with a number.
Chat with IonAI employee
Owner
Why did revenue grow but profit drop?
Ion
Looking at your quarterly P&L.
Revenue is indeed up +14%. But net profit fell −22%. Three reasons:
- Payroll +38% — you hired two people in May; accruals started, but their output hasn’t caught up yet.
- COGS +19% — materials were bought at higher prices and in bulk: 1.2M is frozen in inventory.
- Receivables grew to 3.4M — clients are simply late paying for work you’ve already done.
P&L · quarter
Revenue+14%
Net profit−22%
Payroll+38%
COGS+19%
Receivables3.4M
Owner
How critical is this?
Ion
Critical for cash, not for profit.
The payment calendar shows a cash gap of ≈ 600k in 8 days: payroll and a supplier advance are due on the 12th, while two large client payments are stuck.
Good news — the gap closes without a loan. Of the 3.4M in receivables, 1.9M is already overdue across three counterparties. Collect even half of it and there is no gap.
Cash balance · month forecast
Owner
Okay, what do you suggest?
Ion
I suggest three steps:
- I’ll assign your manager Alena a “Call the debtors” task — with the list of 3 counterparties, amounts and overdue terms, and message her on Telegram.
- I’ll send the 480k supplier payment to you for approval — we’ll hold it until client money arrives so the balance stays positive.
- I’ll pause the automatic materials purchase — current stock covers 6 weeks.
Shall I proceed?
Owner
Yes, go ahead.
Ion
Done.
- Task created for Alena, she got a Telegram message
- Supplier payment is pending your approval
- Auto-purchase of materials is paused
I’ll check the payments in 3 days and message you myself.
02 Problem
Owners see their own money through a fog
Bank, spreadsheets, accountant, warehouse, payroll — each with its own numbers. Answering “how much did I actually earn” takes days, phone calls and faith in someone else's file.
A layer of intermediaries stands between a person and their money. Decisions are made by feel.
June · month resultswithout i37b
Inflows≈ ? ? ?
Expenses≈ ? ? ?
Frozen in inventoryno idea
Net profitask the accountant
↑ this is what the financial picture looks like when it's assembled by hand
03 Insight
Financial clarity is power over your business
We don't sell bookkeeping or reports. We give the owner back power over their own money — through clarity. We remove the fog between a person and their numbers. Everything else in i37b serves one goal: bringing closer the moment of “I understand my finances”.
04 Solution
i37b — the whole picture on one screen
Profit and loss, cash flow, debts, payroll, inventory — brought together into a single living picture. Answering “how is the business doing” stops being a week-long project.
Income is “+”, expense is “−”, profit is computed by your rules. Click a number — see exactly which operations it is made of.
Profit & loss statement$ · June
| Line | Amount | Share |
|---|---|---|
| Revenue | 4,200,000 | 100.0% |
| Variable costs | −1,512,000 | 36.0% |
| Contribution margin | 2,688,000 | 64.0% |
| Fixed costs | −1,344,000 | 32.0% |
| Operating profit | 1,344,000 | 32.0% |
| Interest & other | −252,000 | 6.0% |
| Net profit | 1,092,000 | 26.0% |
05 How it works
Not a one-off solution — a universal constructor
We almost never write a report “for one country or industry”. Any report is assembled from three simple blocks on top of a category tree. One engine covers P&L, cash flow, the payment calendar, receivables — and whatever we haven't invented yet.
Block 01
Category
A row pulls the balance of a specific category — income or expense in the presentation currency.
Block 02
Formula
Arithmetic over other rows: profit = item(income) + item(expenses)
Block 03
Group
A subtotal header: its value is the sum of nested rows. That's how any structure grows.
The same logic runs through bank statement parsers, payroll taxes, deal pipelines. One end-to-end constructor instead of ten one-off hacks.
06 Product live
Tools that lift the fog
Not a feature list, but a set of answers to the owner's concrete questions — “what do I pay with next week”, “where did this number come from”, “what about the debts”.
Payment calendar · weekin / out
8+120k
9 · today−84k+310k
10−45k
11
12−260k
13+90k
14
Reports
Drill-down
Click a number → operations
Any report cell expands into the list of underlying transactions with their source.
Banks
Statements and integrations
Connect your bank and import statements with automatic balance reconciliation.
Debts
Receivables and payables
Who owes you and whom you owe — by due date, without a manual register.
Payroll · Stock
Salaries and inventory
Payroll and the warehouse with price lists are part of the overall financial picture.
Approvals
Payments under control
Payment requests go through approval — money leaves by the rules.
07 Ecosystem and approach
Data comes in from the bank — and leaves as a clear picture
01
Bank
Integrations and statements connect to your accounts.
02
Normalization
Operations are brought to a single shape; categories are recognized by rules.
03
Reports
P&L, cash flow, the calendar, debts — update themselves.
· Dashboard· Banks· Statements· P&L / Cash flow· Payment calendar· Receivables / payables· Warehouse and price lists· Payroll· AI employee· Forum· Telegram
Why i37b and not yet another spreadsheet
One-off solutions
- Reports hardcoded for one country and industry
- Data is scattered, the numbers don't add up
- An intermediary stands between you and your money
- More features — more noise
The i37b approach
- A universal constructor — any business, any country
- A single source of truth: the numbers add up by construction
- You see the money directly, with no middle layer
- Security built in: access is closed by default
08 Who it's for and how pricing works
For any business — in any country
i37b is multi-tenant: you sign in and pick a company. Industry and country follow an international taxonomy — the report structure adapts instead of being rewritten.
You pay for what's enabled: a set of modules plus the company's shared balance. The AI employee is metered by tokens — transparently, to the cent.
Company balance
$3,480.00
Modules (6 active)included
AI employee · tokenspay per use
Welcome bonus for new companiesincluded
09 FAQ
Frequently asked questions
How is i37b different from regular accounting software?
i37b is management accounting for owners and managers: real money, profit and cash flow — not regulated tax reporting.
Can I manage multiple companies?
Yes, i37b is multi-company and multi-currency. Switch between legal entities and see the consolidated picture.
Is there bank statement import?
Yes. Upload statements manually or via integrations — operations are auto-categorized by your rules.
How much does it cost?
You pay for the enabled modules from the company's shared balance; the AI employee is metered by tokens. New companies get a welcome bonus, so you can start with no upfront cost.
Which languages are available?
The interface and site are available in many languages and adapt to your region automatically. The list keeps growing.
See your money end to end
Calm confidence instead of fog. Start with the dashboard — the picture assembles itself.